Scheme · SD-120

Kisan Credit Card (KCC)

Short-term credit for crop production, allied and working-capital needs

Central GovernmentThrough nationalised, cooperative & rural banks (some banks also offer online application)

✓ Verified information✓ Official portal link

Service	Kisan Credit Card (KCC)
State	Central Government
Department	Ministry of Agriculture & Farmers Welfare / NABARD, via banks
Mode	Through nationalised, cooperative & rural banks (some banks also offer online application)
Fee	No processing fee for loans up to a limit set periodically by RBI (currently a widely-referenced threshold is ₹1.6 lakh, though this is periodically revised — confirm with your bank)
Portal	pmkisan.gov.in (KCC info)

1 Eligibility

Farmers — owner cultivators, tenant farmers, sharecroppers, and members of Self-Help Groups (SHGs) engaged in farming/allied activities.

Some banks allow KCC application via their net-banking/app or the PM-KISAN portal's KCC saturation drive link.

Fill land and crop details and submit.

Apply at your nearest bank branch (nationalised, cooperative or Regional Rural Bank) with the required documents.

Public sector banks aim to sanction/disburse KCC applications within about 2 weeks of a complete application, as per RBI/government directives.

Check with your bank branch or their app/net-banking for application status.

Physical KCC/RuPay card is issued by your bank; some banks offer a digital view via their app.

Contact your bank branch for corrections to KCC details.

KCC limits are reviewed and renewed periodically by the bank, typically every few years, subject to satisfactory repayment.

Can KCC be used for non-crop farming needs?

Yes, KCC also covers working-capital needs for animal husbandry and fisheries, subject to your bank's terms.

Always verify information on the official portal linked above before applying or making any payment. This page is for informational purposes only.